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ICICI Lombard left knee replacement claims unpaid after cashless denial, investigation and repeated queries since June 2026

ICICI LombardPC-2026-03388Insurance ClaimsAnonymous ·
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Health Insurance Renewal Due on 3rd November – Why Should I Renew When My Genuine Claims Remain Unpaid? My health insurance renewal with ICICI Lombard is due on 3rd November 2026. But after my family's experience, I have decided not to renew. My wife underwent Total Knee Replacement (TKR) surgery on 29th June 2026. Despite having continuous health insurance coverage and paying substantial premiums over the years, our experience with ICICI Lombard and Policybazaar has been extremely disappointing. The situation today: 1. ICICI Lombard rejected the cashless authorisation. 2. My pre-hospitalisation and post-hospitalisation claims are still unpaid. 3. Despite repeatedly responding to queries and submitting documents, there is no resolution. 4. ICICI Lombard even sent a representative for an investigation, yet the claims remain unsettled. 5. Repeated follow-ups have produced more queries, but no payment or satisfactory explanation. The most surprising part? Policybazaar and ICICI Lombard regularly call me for policy renewal and follow-ups. When it comes to collecting premiums, their communication is excellent. But when a customer needs genuine claim support, where are these people? Why are there regular calls for renewal when the existing legitimate claims have not even been settled? My simple question to ICICI Lombard and Policybazaar: What is the logic of renewing a health insurance policy when the insurer has not settled the previous genuine medical claims? Health insurance is purchased for financial protection during medical emergencies, not to spend months answering queries, facing investigations and chasing insurance companies for reimbursement. After this experience, I have completely lost confidence in the health insurance system. My decision: I will NOT renew my policy on 3rd November 2026. I also urge IRDAI to look seriously into such policyholder experiences. An insurance company should be judged not by how efficiently it collects premiums, but by how responsibly it settles genuine claims. Premium collection cannot be the only priority. Claim settlement is the real test of an insurance company. #ICICILombard #Policybazaar #HealthInsurance #IRDAI #InsuranceClaim #ClaimSettlement #PolicyholderRights #ConsumerRights #CustomerExperience Sanjeev Mantri Policybazaar.com ICICI Lombard Insurance - Compare & Buy Insurance Plans - Health, Term, Life, Car, Bike, Investment Insurance - Compare & Buy Insurance Plans - Health, Term, Life, Car, Bike, Investment policybazaar.com

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  1. Case filed

    Filer · 4 Nov 2026, 5:06 am

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  • ICICI Lombard (via email)Company

    Received via email from the company's official address · Sender: customersupport@icicilombard.com

    Thanks for getting in touch. We’re on it. Dear Customer, Thank you for reaching out to us. To ensure we address your query effectively, we kindly request you to share any additional information using the following link: **Note: The link will expire in 24 hours** We will provide a response to you within 24 hours. For urgent updates on previous raised queries, connect with us via WhatsApp at ****** from your registered mobile number.

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